Hello, I am 37 yo, with an Current AA of 88/20. This includes my 401k, Roth IRA and Vanguard Brokerage(taxable). I am trying to get to somewhere around 80/20 mark. I need to buy more bonds (VBITX) but I am holding these in my 401k and so I am trying to figure out how to rebalance. 1) Should I buy bo...

Dear Bogleheads, In researching about college investing for my 2 yo, I learnt of the following glide path (I think the source of the table below is Morning star, but not entirely sure). It applies the same logic as one would to personal investing. As you get closer to withdrawl date, reduce the risk...

Thank you , thank you , thank you. I think I have a plan and more important, now I understand the various options in front of me as well as how to maximize gains while reducing risks. Thanks again ! There is a reason I tell my friends that bogleheads is the best site on the internet World class advi...

OP: Provided there is no holding period after the purchase is made I would sell 100% immediately (of course this assume you get a discount on the purchase price making it worthwhile). From this perspective - I disagree with a prior response that said because this is a stock you should consider it l...

Tell us more about your ESPP. Like, the amount of discount, holding period, amount you can participate with, etc. I use mine as a churn-through, equivalent to an additional 2.6% of salary. No reason to hold long term with mine. Completely compatible with monthly/yearly budgets, and as a churn-throu...

Dear Bogleheads, I am having trouble understanding how I should treat or view my Employee Purchase Plan. I do not understand its place in my portfolio. Specifically, I would like to know whether 1) The $ invested in ESPP should be considered as a long term investment (e.g. 401k) or whether I should ...

Thank you all for the wonderful, impartial advice. Quite simply the best forum on the whole world wide web. I tell DW everyday about bogleheads and how its helpful and how she should join. I think I know what I need to do based on the responses provided.

Thank you all for the information and shedding some light on this. My plan is to use the CR-V for next 3 to 5 years which will take us somewhere near the 160k mileage. Post up the year for us. My CRV is 2009. The engine does say VTEC on it. This means I have a timing chain right? The dealers quote m...

Yesterday the Honda dealer recommended the following for my Honda CRV with around 120k miles 1) Replace Serpentine Belt 2) Replace Spark Plug 3) Reseat Valves 4) Brake pad/rotor resurfacing - he says is 80% worn out and has depth of 3 mm. I dont understand much about cars. Overall expense for these ...

Hi Bogleheads, is there a general rule of thumb to follow on how to invest money when getting ready for major purchases (2 cars, house) that are on the horizon in the 3 to 5 year timeframe. I have followed all the basics thus far 1) 8 months emergency fund in place in bank 2) 401k maxed out, His and...

I am 100% confident we will need a replacement for Cr-V. Its getting pretty beat up due to the daily drive. I would assume we replace it with a CPO Acura or a CPO Lexus. Approx 25 k . The Civic replacement is definitely a want not a need. If I swap it out I will replace it with a better car - havent...

Dear Bogleheads, I am envisioning some major expenses after 3 years. I am going to need plenty of liquidity for a downpayment on a house as well as potentially for new car(s). By new I mean either new or gently used cars. Here is what I think will happen by 2019/2020 1) 2019 - Wife finishes Phd, get...

Dear Bogleheads, I am envisioning some major expenses after 3 years. I am going to need plenty of liquidity for a downpayment on a house as well as potentially for new car(s). By new I mean either new or gently used cars. Here is what I think will happen by 2019/2020 1) Wife finishes Phd, gets a job...

Hello Bogleheads, This forum has been a wonderful experience for me. 2 years since I discovered this forum. After google search, this is the most useful thing I do on the web. Question for experience bogleheads - What is the best way to get the most out of this site. Do you spend x number of minutes...

I have an emergency fund. I have maxed out the 401k. I fund my and my wife's ROTH IRA every year. I put soem money into the college education fund every month. After doing all this and paying the bills, I still have some spare investing capacity. I have a Vanguard brokerage account that I can afford...

Hello, We live in a modest 2 bedroom home in the Boston Metrowest area. Plan to move out in approximately 3 years - thats when the wife will finish her PhD and we will be in the market for a bigger home, as our family expands. We purchased home for $260k, current valued by the county assessor at app...

Dear Bogleheads, Thanks to the wonderful advice I have received via this community, I made significant changes to my portfolio over the past 6 months. This is where I am now. I sold my individual stocks, maxed out my 401k, and put 5.5 K in ROTH IRA every year. I also opened an account for my kid for...

Hi Klang Fool - I thought if I open a separate account for my kid and dont touch it at all, I will create some segregation between our savings (wife and I) and my kids college. What am I missing? Are you suggesting that I simply take the cash from my retirement accounts at the right time to fund col...

Hi Klang Fool - I thought if I open a separate account for my kid and dont touch it at all, I will create some segregation between our savings (wife and I) and my kids college. What am I missing? Are you suggesting that I simply take the cash from my retirement accounts at the right time to fund col...

I live in Ma. and get no tax advantage by enrolling in a 529. I also think i get better flexibility with a non 529 account, in case we decide not to live in the US in the future. I am in immigrant . Financially, I hope that my returns outpace the impact of taxes on gains and rebalancing. Does anyone...

Dear Bogleheads, I plan to open an brokerage account at Vanguard and plan to use the savings for my kids education. (Currently 1.5 yrs old). I decided against opening a 529. My plan is to follow a glide path per the table below. This is the Moderate approach for Age based portfolio that I saw on mor...

Hi Bogleheads, I live in MA and get no tax benefit for investing in 529 plans. A friend suggested opening a regular brokerage account and funding that on a monthly or bi weekly basis. If our kid goes to college we can use it for that purpose - if not we can use it for our retirement. I like his idea...

Hello Bogleheads, I live in Mass and have a one year old. Looking to start a college education fund for the kid. I went through Morningstar 2015 report on best 529's and Vanguards plan was in there listed in the top 4 . m I have already dilly dallied on opening the account and if there is one thing ...

Thank you all for the wonderful advice. I had little idea that ETA movements are mass produced and I would only be paying for the marketing and brand name. I looked at at Hamilton's and Seikos and will probably end up with one of those I was mostly surprised to learn that most are not in favor of sp...

I would like to buy a nice wrist watch at around $1500. Thinking of Tag but wanted other recommendations from experiences Bogleheads. I know you can get the time by looking at an iphone or at the PC. That is beside the point. I want a watch as a gift to myself and to celebrate the birth of our daugh...

Dear Bogleheads, Home Loan: $260,000, Amount pending: approx $190,000 Purchased home in 2011, plan to live there till 2019 or 2020 tops. Plan to sell home. Interest Rate: 30 year, 3.875% Home is in Massachusetts, located in a nice suburb Question 1) Does it make sense for me to aggressively pay down...

Hi Elbowman, I already had VWIGX in my portfolio - Vanguard consultants told me to go ahead and increase my allocation to meet the 34% International allocation. My company no longer offers VWIGX as an option. So I wanted to choose VTSNX which is available in the 401k. I have the temperament to inves...

I recently completed a free telephone consultation appointment with Vanguard and they recommended the following portfolio for me after doing a online risk tolerance assessment. 85% Stock , 15% Bonds. Splitting the stocks, they recommended 40% Large Cap, 11% Mid/Small Cap and 34% International. They ...

Hello, Due to sheer luck, I may be in a position to get a lumpsum amount of $100,000 courtesy my Father in Law. He is well into retirement and selling some properties and says he wants to help us pay down our home with the ensuing cash. In return, he said - just pay me the interest you would normall...

Is there a thumb rule regarding what is the max % of one's portfolio that should be invested in the employers stock purchase plan (ESPP) ? My total portfolio is around $130k. This does not include the $30k I have accumulated in employer stock purchase plans. Other details 1) We get a 15% discount on...

I am still relatively new to this forum. I have been reading and educating myself via this forum. I know that individual stocks should not be part of a portfolio. Is this a strict rule of thumb? I have about $6k in various stocks in total portfolio of $130k and each of them has turned me a nice tidy...

Thank you , that is useful. So in summary I will shoot for a 25% Bonds, 75% Stocks of which 20% is international. I will bump this up gradually to reach 25 and eventually 30%. - Sounds like my taxable account doesnt need tweaking. - His Roth seems like it doesnt need any tweaking For his 401k 1) I w...

Hello, I am about to re balance my portfolio. I wanted someone to critique my new fund choices. I have mentioned by current portfolio and followed by my new intended portfolio. Finally, I have listed by 401k choices. My accounts are: His 401k, His Brokerage, His IRA and Her IRA. All are Vanguard acc...

Dear Bogleheads, I have become a fan of this forum and thanks to the advice received I am about to make changes to my 401k, IRA and Brokerage accounts. I am planning for a 80/20 AA with 65% Domestic Stock, 15% Intl Stock, 20% Domestic Bonds. 1) Taxable Account will hold 30% of my assets: I havent fu...

Thank you everyone for the guidance in how to write posts. From the replies it appears 80-20 is a good split for my age and risk tolerance. I am shooting for 20% International Stock. I have listed my portfolio below. % ER Cash 30000 22.67% N/ A US Stock AAPL 1566 1.18% N/ A US Stock ATT 514 0.39% N/...

I have about $30-35k ready for investing. I am rather confused as to how to how to create a strong portfolio using this. I have read about the 3 fund portfolio and need to know which funds should go to the Roth IRA, which to hold in brokerage. I also want to know my 401 k funds are appropriate for m...

Hello, I am new to this forum. I am inspired by Bogle's investing advice having gone through his Little Book of Investing. I am married, 35, and looking to invest around $15000. I am looking for advice on how to allocate this amount to a 3 fund portfolio. I have a mortgage and we are starting our fa...